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8226 Franklin Trail St, Charlotte, NC, 28227

4beds
3baths
2,657sqft
$549,999
$207price/sqft
$3,520/moest. monthly cost
$140,800/yrincome needed

About This Home

LIKE-NEW 2024 4-BEDROOM HOME IN THE HEART OF MINT HILL WITH 1 YEAR RATE BUY DOWN POSSIBLE! Here, small-town charm meets convenient access to Charlotte’s vibrant dining, shopping and entertainment scene. Lightly lived in with a magazine-worthy interior that shows like a model, this move-in ready home is minutes from Mint Hill restaurants, parks, community events, everyday conveniences and I-485. The bright, open-concept floor plan features luxury vinyl plank flooring and a private flex room with French doors—ideal for a home office, study or additional living space. The stylish kitchen shines with quartz countertops, wall oven, separate cooktop and large island, flowing seamlessly into the family room. Step outside to an OVERSIZED COVERED PATIO—perfect for entertaining, outdoor dining or relaxing, and could easily be screened. Upstairs, discover a spacious primary suite, 3 additional bedrooms, versatile loft and oversized laundry room with cabinetry. A tankless water heater and 220V/50-amp EV pre-wire in the garage add modern convenience. Modern style, Mint Hill charm and Charlotte convenience—all in one!

Getting Around

12
WalkingCar-Dependent
12
TransitMinimal Transit
21
BikeSomewhat Bikeable

Schools

9/10
Bain ElementaryGrades PK-50.8 mi
5/10
Mint Hill Middle SchoolGrades 6-82.2 mi
6/10
Independence HighGrades 9-122.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Exhaust Hood,Microwave,Oven,Tankless Water Heater,Wall Oven
  • Laundry features: Electric Dryer Hookup,In Hall,Laundry Room,Upper Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Features: Walk-In Closet(s)
  • Level: Upper

Bathroom Half

  • Features: Open Floorplan
  • Level: Main

Bedroom S

  • Features: Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Family Room

  • Features: Ceiling Fan(s),Open Floorplan
  • Level: Main

Features

  • Breakfast Bar,Drop Zone,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors,Insulated Door(s),Sliding Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Tile,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,657

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,657
  • Total interior livable area: 2,657 sqft

Kitchen

  • Features: Breakfast Bar,Drop Zone,Kitchen Island,Walk-In Pantry
  • Level: Main

Laundry

  • Features: Built-in Features
  • Level: Upper

Loft

  • Features: Ceiling Fan(s)
  • Level: Upper

Office

  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: Upper

Property

Details

  • Parcel number: 19518606
  • Zoning: O-A DO-A(CD)
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Rear Porch

Lot

  • Lot size: 0.12 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Tornado

FEMA Declared Disasters in Mecklenburg County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,781$33,372
Home Insurance *$176$2,112
Property Taxes $316$3,792
Electricity $247$2,969
Total$3,520$42,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,685/yr
40% on housing$105,600/yr
45% on housing$93,866/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 28227$195
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28227$222
Mecklenburg County$238

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-03Price change$549,999
2026-07-24Listed for sale$564,900
2024-01-26Sold$552,091
2023-11-13Pending sale$553,291
2023-10-28Price change$553,291
2023-10-20Listed for sale$548,291

For Sale by Agent

AgentVictoria Baughman
BrokerageERA Live Moore

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